Essay PPT Samples For College Students

Ethics in Finance Leaders and Business Executives - 1100 Words

Ethics in Finance: Leaders and Business Executives (Research Paper Sample) Content: Ethic in FinanceStudents NameInstitutional Affiliation Ethics in FinanceIntroduction Ethics in finance transcends beyond financial knowledge to actions that relate to particular activities. There is a call for leaders and business executives to exhibit a thorough understanding of rational and institutional strains to align their firms and organizations to ethical aspects.Question 1Ethics is the discipline concerned with both positive and negative aspects informed by moral principles and responsibilities. The laid down set of ethical, organizational, and legal rules play a central role when applying ethics to the society. Moral, institutional, and legal guidelines determine how various communities use values. Apparently, it has become obvious that various financial institutions are involved into certain unethical issues. A good example is a financial manipulation that was conducted in London Interbank Offered Rate otherwise known as the LIBOR scandal (Youle, 2014). Increased competition and the pressure to make high returns to the shareholders have seen numerous financial institutions overlook ethical issues that concern the financial sector. Another example of ethics in finance is where a particular company decides to manipulate the accounting process by providing inaccurate information in their financial statements in a bid to facilitate tax evasion or avoidance. When a business creates an environment of deceit and illegal actions aiming at gaining certain financial advantages, it can be viewed that it is violating the rules of financial ethics. For example, selling goods and services to the consumer in the wrong quantities and qualities to manipulate the results is a totally unacceptable unethical issue. The financial meltdown in 2008 was highly contributed by massive unethical behavior that financial intuitions, such as JP Morgan, allowed under their watch. Greed became a critical factor that led to unethical practices within the mortgage sector. The fact is whether it was the lack of knowledge and understanding of the ethical financial standard, or it was greed. Consequently, the financial system changed in terms of reinforcing ethical practices in the finance industry (Thompson, 2015).Question 2Ethics in finance is important since the industry is the epicenter of a healthy functioning economy. Numerous companies and businesses adhere to the financial vehicle in their countries aiming at receiving the required credit to advance their growth strategies. The financial sector facilitates the flow of capital between companies establishing the interest rates that lenders and investors use for monetary exchange. Therefore, it makes ethics in finance rather critical since a problem that is ethically connected can send the entire economy into a crisis. A good example of an ethical issue is the lack of transparency in matters of complex financial systems that substantially contributed to the 2008/2009 financial crisis. The financial sector is the center of the economy. It facilitates the movement of capital between the people who save and the borrowing entities. Additionally, it establishes the interest rates at which investors and financial institutions conduct their exchange. Ethical problems within the financial industry may lead to devastating consequences across the entire economy. For example, a lack of openness concerning complex financial apparatus played a significant role in triggering the financial disaster between 2008 and 2009 (Ferrell, 2009). The second reason why ethics in finance is important lies in the fact that finance is the most powerful tool through which financial transactions change prices in the commodity markets. There is a price volatility in the markets which holds pension funds. Due to its immense power there must be a responsibility in financial transactions hence the need for ethics within financial markets.Question 3The financial industry has evolved over time, and so h as the level of scandals and unethical practices increased and advanced. Therefore, most of the unethical practices have led to investors losing their capital through defrauding, which is mostly perpetuated by financial professionals. Consequently, financial professionals are required to adhere to a certain level of ethical standards. Particular standards are not disclosing vital classified information that may result in an anticipated loss. A good example is about professionals who deal with securities. Certain cases may arise where the professionals come into contact with non-public information. Such information is described as anything that has the potential to affect the prevailing security prices and has not yet been made available to the public. Another standard for the financial professionals is accountability and transparency. Financial professionals are required to make sure that they point out unethical practices perpetuated by their counterparts no matter the price to pay . The latter is informed by the fact that even if a professional possesses the knowledge of any colleague practicing unethical behaviors, the same penalty is faced by both of them. Question 4It is obvious that ethical financial issues in a business affect all segments of economy. The financial sector is faced with a series of ethical issues, and therefore, financial institutions are mandated to act according to the law together with reinforcing ethical standards in their operations. Compliance is one of the ethical issues faced by financial institutions. The players in the financial markets must employ professionals who have a deep knowledge about financial markets as per the law's requirements. Integrity represents another ethical issue relating to financial institutions. Integrity is critical when it comes to protecting the reputation of the financial sector. Manipulation of the securities markets may lead to the creation of the wrong impression of a high return which is not only illegal but immoral. If such ethical issue is discovered in the financial sector, the reputation can be damaged even to the extent of creating a larger bubble in the securities markets resulting in a crisis. Conflicts of interest represent another ethical issue in financial institutions. Such conflicts may happen if the same financial service provider acts both as a brokerage firm and an investment banker.

How to Write an App Essay and Make It More Useful to Colleges

How to Write an App Essay and Make It More Useful to CollegesWhen the Common App exam is around the corner and you are considering the best way to write an App essay, this short article will help you change common App essay topics so that you will improve your overall performance on the exam. What a better way to practice and learn more about App Review than to write several different essays? Well, some people do take courses in essay writing, but many students prefer to write multiple essays as a way to quickly test the skills needed to write the exam.If you want to make sure you are ready for the exam, you might consider taking a course in writing multiple essays, especially if your college requires it of you. Common App Essay subjects often include history, geography, politics, and literature. Some topics you might find yourself needing to cover include ancient civilizations, current politics, world religions, and global trends.If you feel a course in essay writing is not needed, you might consider changing the Common App Essay topics to something you are interested in. For example, if you are a bookworm, and love historical novels, you could change the App essay subjects to historical fiction or mysteries. This would be an easy change that would improve your chances of passing.Of course, if you are going to change the topic, you will also need to think about how you can apply what you learned during the course to your college's curriculum. Often, students find that they have too much information about a particular subject and wonder if they are doing enough. So, the best way to change common App essay topics is to add something new to the essay.For example, if you like to read books about wine, change the Common App essay topics to something about wine. Or, if you love history and are studying World War II history, change the essay topics to something you are interested in. These are just a few examples of how you can change common App essay topics for bett er grades.To make sure that you are successful with your school's standards, it might be helpful to look at the schools that require essays. Many colleges have their own set of standards and if you write essays to them, you are bound to do poorly in college. In fact, many colleges will give you a poor grade if you fail to adhere to their standards.Most colleges require a minimum passing grade on the Common App essay, and if you don't meet those standards, your college is unlikely to accept your essay. As you consider this possibility, you should consider your goals for college and how you can measure whether you are achieving them. If you are serious about having a successful career after you graduate, you should consider a college that has a higher grade average than your current school.So, if you want to write an App essay that is worth your effort, you might consider changing Common App essay topics. Change them a little each semester, or try something completely different each t ime you go back to your college to take the test.